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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,452 | $29,319+68.7% | $52,425-5.7% | $82,448-40.0% |
| Participation rate | 18.4% | 46.9%-28.4pp | 55.6%-37.2pp | 68.1%-49.6pp |
| Annual return | 22.99% | 535.20%-512.2pp | 302.12%-279.1pp | 41.64%-18.7pp |
| Employer contribution / active EE | $233 | $586-60.3% | $914-74.6% | $2,551-90.9% |
| Participant deferral / active EE | $272 | $1,171-76.8% | $1,790-84.8% | $4,139-93.4% |
| Admin fee / account holder | $1,322 | $1,962-32.6% | $2,495-47.0% | $7,234-81.7% |